Joanne Wilton
Riverview,NSW
Summary
Senior transaction professional with comprehensive knowledge of the entire deal process from identifying opportunities through to legal negotiation and settlement. I have strong relationships in the market with banks and non bank lenders and have worked with a number of private equity firms and large corporates over my 20 year career.
Overview
24
24
years of professional experience
Work History
Head of Credit Risk
Heartland Bank, Australia
05.2024 - Current
- Managed credit risk for agri-finance and reverse mortgage portfolios, safeguarding financial stability.
- Monitored market trends to reduce credit risk exposure proactively.
- Compiled monthly performance reports for board and risk committees, highlighting key metrics.
- Approve new loans and increases within delegated authority
- Assisted in developing efficient processes for identifying and managing credit risks.
- Enhanced compliance frameworks and policies to meet regulatory requirements.
- Developed risk frameworks for new bank products, achieving APRA approval.
- Led a team of 7 professionals, fostering collaboration and productivity across the business.
Director, Credit
Challenger Bank Limited
Sydney
12.2021 - 05.2024
- Developed retail and equipment finance policies to establish banking products and gain APRA approvals.
- Established funding line for new equipment lender in the market
- Supported credit and risk requirements for large corporate fundings and asset lending programs
- Cultivated relationships with stakeholders to support business development efforts.
Head of Credit
QuickFee Ltd
Sydney
02.2019 - 11.2021
- Lead negotiations with senior debt provider
- Final decision authority day-to-day for new loans up to individual value of 1% of loan book
- Setting client limits, loan restructuring and recovery
- Development of credit policies and responsibility for monitoring group-wide compliance
- New product development - identification and mitigation of risk, development of user-friendly credit procedures, negotiation with third-party partners (wholesale funders, insurers etc.)
- Mentoring and supervising credit staff in the USA and the sales team in both Australia and the USA
Associate Director
Challenger Limited
Sydney
04.2014 - 12.2018
- Product and business development. Support growth of the specialised finance unit within the Life division.
- Key relationship contact between funding partners and intermediaries
- Managed end to end process for debt transactions from referral stage to settlement
- Worked closely with private equity firms, Fintechs and medium to large corporates
- Deal sizes of $5million to $80million
- Preparation of underwriting and product procedures manual
Director Underwriting
GE Capital
Sydney
04.2007 - 04.2014
- Directly managed team of 3 people and as most senior member of the team support wider team.
- Transaction approval authority of $20million.
- Deal sizes of $5million to $160million across leverage transactions, direct corporate lending and asset based lending.
- Worked with a number of private equity firms and listed entities
- Preparation of procedure manuals for PPSR and rewrite of underwriting procedures manual.
- Lead GE lean event on underwriting process improvement
Associate Director Portfolio
GE Capital
Sydney
02.2002 - 04.2007
- Portfolio monitoring
- Customer relationship management including negotiating terms
- Onsite collateral reviews
Education
AICD Company Director Course - Sydney
AICD
Sydney01.2021
Graduate Diploma - Psychology
University of New England
Armidale01.2018
Chartered Accountant - Sydney
Institute of Chartered Accountants
Sydney01.2002
Bachelor Of Business - Sydney
UTS
Sydney01.2000
Skills
- Transaction analysis and risk management
- Team leadership and interpersonal skills
- Experienced in asset-based lending and leverage transactions across a range of industries
- Broad debt product experience, including consumer, livestock, and equipment
- Financial modeling and documentation
- Product development
- Regulatory compliance
References
References available upon request.
Timeline
Head of Credit Risk
Heartland Bank, Australia
05.2024 - Current
Director, Credit
Challenger Bank Limited
12.2021 - 05.2024
Head of Credit
QuickFee Ltd
02.2019 - 11.2021
Associate Director
Challenger Limited
04.2014 - 12.2018
Director Underwriting
GE Capital
04.2007 - 04.2014
Associate Director Portfolio
GE Capital
02.2002 - 04.2007
AICD Company Director Course - Sydney
AICD
Graduate Diploma - Psychology
University of New England
Chartered Accountant - Sydney
Institute of Chartered Accountants
Bachelor Of Business - Sydney
UTS
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